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Articles Tagged with Auto Accidents

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Best Personal Injury Lawyers Fort Myers

Attorneys Leland and Jeff Garvin

The Garvin Law Firm is proud to have been listed in the 2018 U.S. News & World Report Best LawyersBest Law Firms” list. In addition, Founding Partner Jeffrey R. Garvin has been recognized as the 2018 Fort Myers Lawyer of the Year in the practice area of Personal Injury Litigation – Plaintiffs.

Inclusion in Best Lawyers is based on a rigorous peer-review survey process. No fee or payment to participate is allowed. Since it was first published in 1983, Best Lawyers has become universally regarded as the definitive guide to legal excellence.

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PIP (No-Fault) insurance in FloridaSound too good to be true? Well it probably is…We’ve all heard the catchy jingles on our favorite radio stations announcing that after a car accident, we may be entitled to $10,000 in lost wages and benefits. DJ’s and “attorney spokesmen” encourage us to call one of these hot-lines from the scene of the accident—but is what they’re selling us for real?

The long and short answer is: Yes and No (answered like a true lawyer…I know.), but we realize, you probably already knew that. Many people, especially in South Florida, come to personal injury attorneys after even a minimal car accident looking for the $10,000 check that they’ve been hearing about on the radio or billboards.

What all these advertisements are referring to is your PIP (or Personal Injury Protection) Insurance, also referred to as No Fault Insurance. This insurance, which has long been the center of fierce debate in Florida, is the only type of mandatory auto insurance that Floridians are required to purchase. You may have even heard about this insurance from news reports of fraud, staged accidents, and Florida lawmakers constantly trying to regulate it in one direction or another.

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For the most of us, the possibility of getting a DUI increases during the holidays.

The holidays are a time when we attempt to leave work at work and spend some quality time with the ones we love. The holidays also include parties and a drink or two with old friends.

I8 Tips for Avoiding a DUI over the Holiday Seasonn this post I wanted to pass on a few tips from the trenches during my experience as a prosecutor and now Florida DUI Defense Lawyer.

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According to a recent study performed by Nationwide Mutual Insurance Company, 73% of Americans talk on the telephone while driving. The Insurance Industry for Traffic Safety found that almost 6000 deaths were caused by distracted drivers in 2008. The numbers for teens are particularly striking. 21% of fatal car crashes involved cell phone usage and at least 50% of Florida teens admit to texting while driving.

Fort Myers Auto Accident LawyersIn Florida these numbers have particular significance because of our existing insurance laws and the number of uninsured drivers on our highways. Unlike many states, Florida does not require its drivers to have liability insurance conditioned to pay someone else harmed by a negligent or reckless driver. The only required insurance is PIP insurance which provides just $10,000 worth of no-fault medical or lost wage coverage. Very few hospital stays cost less than $10,000 so rarely is there any money for lost wages. Surprisingly, there is no requirement that Florida drivers carry insurance to pay the people they injure. Even more troubling is the fact that Florida, while having only minimal insurance requirements still has the 5th highest rate of uninsured drivers in the entire country. According to a recent study by the Insurance Research Council, a full 23% of Florida drivers had no insurance of any nature. Regrettably, those who do have liability insurance often have limits of only $10,000. All of which increases the likelihood that if you are seriously injured on the highway you may well have no one to look to reimburse you for your medical expenses, lost wages and pain and suffering. So, how can you protect yourself?

First and foremost, make sure to buy liability insurance that also includes uninsured motorist coverage. Unless you reject it in writing, your insurance company is required to sell you uninsured motorist coverage in limits equal to your liability coverage. For example, if you have $300,000 worth of liability coverage, unless you have rejected it you will also have $300,000 worth of uninsured motorist coverage. This coverage will insure you not only against people who hurt you who have no insurance but also drivers who have some insurance but who don’t have enough insurance to compensate you for your losses.

Justia Lawyer Rating for Jeffrey R. Garvin
Florida Legal Elite 2016
Super Lawyers
Million Dollar Advocates Forum
The Best Lawyers in America
Martindale-Hubbell
American Association for Justice
Florida Justice Association
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